Broke" is a relative term.  Consider the job of a junkyard.  It 'salvages' the broken and unwanted.  You may be financially 'broke'; but, you are not broken.  Your financial state is salvageable.  It just requires some effort. It's time to get in financial shape.  Like getting fit, you must consider your input/output ratios.  To get in shape, people need to expend more calories than they … [Read more...]